Please note - this link is no longer active.

Please close this window and  phone our intake team on Ph 02 6241 0518
to ensure you meet current eligibility crietria, 
and to be provided a current link to our application form.

Please Note: The Basic Information and Loan Information provided will be used
to check your eligibility to apply for a NILS loan.
Further information may be requested if necessary for the application.

Before you proceed - please read the information below.

To process your loan application your assigned caseworker will review information you provide and discuss this with you to ensure we have captured everything accurately. This is done prior to submitting your loan to an independent loan assessor. Your allocated caseworker does not decide the outcome of your application.

We receive a high volume of applications, and it is challenging for us to be able to process urgent applications. If you need urgent assistance, please investigate alternate supports including emergency relief providers (find a provider at AskIzzy.org.au), or contact us directly before you complete this application form to discuss our capacity to process an urgent application. 

Ph 02 6241 0518.

It is important that basic documentation used to compile and assess your application is provided by you with this application. If you will struggle with this, please let us know so we can assist you.  

Basic essential documentation includes:

• Identification (100 points)

• Evidence of Income

  • Centrelink Statement

  • Payslips (if employed)

• Evidence of Expenses

  • Bank Statement/s for all active bank accounts for 3 months,

  • Current statements for major bills including utility, debts - payday loans, store accounts. (Screenshots can be used where you cannot access a downloaded statement.)

• Quote/s for your requested item / service

We cannot offer a loan if you are not maintaining your current payment of bills and debts . Instead, we will refer you to alternate supports including financial counselling, or emergency relief for short term assistance assessment. We have an ethical obligation to ensure we do not place you into financial hardship by providing a loan that is not affordable to you.

Depending on capacity to repay, eligible people can borrow up to a maximum of $2,000. This limit is extended for some specific loan purposes, and for people who have experienced a declared natural disaster. Your Caseworker can discuss additional information about those special loan purposes.

Repayments will vary depending on the amount of the loan.  These are set at an affordable fortnightly amount up to maximum loan term of 24months. Not all loans can be taken out over the maximum loan term. 

Importantly :

• We do not pay cash to you .We pay the supplier directly.

• We cannot assist with purchasing a vehicle (car / motorbike / caravan).

• We cannot assist with payment of debt / bills . 

You can save your application and come back to it at any time before submitting. Once submitted, we will be in touch to advise a timeframe for the next steps.

NILS Client Rights and Responsibilities

To best ensure responsible lending, the rights and responsibilities of applicants is provided at the start of each interview. NILS is based on trust and the circular community credit model.

Your Rights:

• Be treated fairly and with respect regardless of your personal circumstances and beliefs.

• Be told if you can apply for a loan and how to do so.
  

• Know and agree to what happens to the information we keep about you and your financial situation.

• Give feedback or make a complaint without it affecting whether or not you get help from us.

• If available, access an interpreter, advocate, or other support person to assist with the NILS application.

• Be informed about the loan decision making processes.

• Be referred to financial counselling if you need to.

• Put NILS repayments on hold or change the amount you repay if you get into difficulties repaying the loan.

• Restart loan repayments if you stop.

• Be able to apply for a second NILS loan once you’ve started to repay the current loan if you are eligible (up to a combined total of $2,000 if you can afford it).

• Be able to apply for another NILS loan (up to a total of $2,000 if you can afford it) if you are eligible once you’ve paid your current loan back.

Your Responsibilities:

• Act in a manner that respects the rights of other clients, staff and volunteers of the organisation.

• Give clear information to assess the loan.

• Make sure the information you give us is accurate.

• Let us know if you’re happy or unhappy with our service without being rude or aggressive.

• Tell us if you would like someone with you during the loan interview or to help with the loan application.

• Make regular payments and pay the loan back so that someone else in the community can get a loan like you did.

• Ensure all information provided is true and correct, and that no false or misleading information is given at any time.

• Tell us if you have any financial difficulties now.

• Tell us if you have any financial difficulties in the future. Restart payments as soon as possible.

• Make regular payments when you restart, tell us if you have any financial difficulties in the future.

• Meet the repayment amounts for the first loan and for the second loan.

• Be able to meet the repayments for the new loan.

Privacy Notice and Consent Form

This form is to be used whenever we collect or disclose personal  (including sensitive) information.
It is to be read in conjunction with our  Privacy Policy APP Australia.

** Please Note - If you don't meet the criteria above, we will need to speak with you before we can submit your application for assessment.

For more information on NILS Loan Purposes, visit 
https://www.salvationarmy.org.au/nils

OR

OR

Please provide contact details of two people that we can speak to if we are unable to contact you. 
They can be friends, family, neighbours.
We will not discuss your personal details, simply ask how to reach you. 

We require 100 points of ID submitted with your application. This ID can be as follows:

Please upload copies of your ID below. 

Please upload the ID you can provide & let us know your challenges with meeting ID requirements. 

Let us know your challenges with meeting the ID requirements.

Allowable file types: bmp, csv, doc, docx, gif, jpeg, jpg, pdf, png, tif, tiff, xls, xlsx, zip

 You can upload more than one file at a time. Please select all that apply.

Remember - we do not pay cash to you.We pay the supplier directly.

If your quote is for online purchase, please paste the web address / HTML link for the
quote / shopping cart in the Supplier Details field above. 

You can upload more than one file at a time. Please select all that apply.

 Allowable file types: bmp, csv, doc, docx, gif, jpeg, jpg, pdf, png, tif, tiff, xls, xlsx, zip

Fill in the budget below with all relevant income and expenses.

• Please list all income types including Centrelink, Wages, Child Support and Allowances. 
  

• Please list all expenses including bills, debts, entertainment and savings.

• You can add more lines as needed for each category. 

This includes education expenses for you or any other family member that yo are responsible for paying. 

This includes any money you owe to 

• Centrelink,

• Pay Day lenders,

• Rent-to-Buy ,

• Buy Now Pay Later (AfterPay, OpenPay etc...),

• store accounts or credit, 

• family or friends

You will be asked to provide some documents to support this application. 

Please remember to provide most recent : 

• Centrelink Income Statement & Centrelink Deduction Statement

• Payslips (most recent 3 payslips)

• Bank statement for your every day / spending account
  The bank statement must cover 3 months and be no older than 2 weeks. (Please ensure that all pages are included and your account name and number is clearly visible).

If you need assistance accessing these documents, let us know. With your consent, we can access information from Centrelink and your bank automatically. 

You have requested that we obtain your bank statement/s via the  Illion BankStatements collection system.

Please note - this will open in a new window.

Make sure to come back to the application form to continue filling it out and to submit it.

Please use the link below to nominate which bank accounts to include.

You will need your internet banking login information to proceed. If you have accounts with more than one bank you will need to complete the process for each bank. Once you have completed the process outlined below your statements covering 90 days from the say you access the link will be sent to us securely via email.

You will be asked to:

• Identify the bank where your account/s are held.  (i.e. ANZ, Commonwealth, St Georges etc…)

• Log into the system using your internet banking details.

• Select which account/s to include in the report.  All accounts will be displayed, including shared accounts.

• Please ensure that you select any accounts where:

  • income is deposited (Centrelink or Wages) &

  • you make payments or withdraw funds  (B-Pay, Direct Debit, Eftpos, ATM etc…)

• Repeat the process for additional bank/s.

If you have any issues, please give us a call.

Please note - this will open in a new window.
Make sure to come back to the application form to continue filling it out and to submit it.

https://scv.bankstatements.com.au/NILS-SAPT

Almost Done! One More Step. 

Have you completed everything?

Ensure you have read and signed -

• The Salvation Army Privacy Notice and Consent 

Gather supporting documents for your application and attach to this application .

This includes:

• Identification, 

• income statements &  bank statements,

• quote for the item / service. **

Photos are ok if they are clear and we can read them. You can also take these to one of our offices or email them separately if easier.

** If your loan request is for car repairs or registration, you will need to provide proof of ownership (registration) paperwork. 

What happens next? 

Once your applicaiton is submitted to us, a Microfinance Worker will contact you and arrange a time to:

• confirm that you are eligible to apply 

• prepare a budget and agree on affordable repayments 

• request any extra information that may be missing / needed 

• finalise your application (you will be asked to sign / agree to a Conditional Loan Agreement) 

What happens when my loan is ready to be submitted for assessment?

Once your application is ready, it will be submitted to Salvos NILS Loan Provider ( a Good Shepherd Loan Provider). 

A loan assessor will review your application and make a decision to approve, ask for more information, or decline the loan request. 

The loan provider will advise you of the outcome, and if it is approved will make payment direct to the supplier on your behalf.

We would love if you would take the time to complete our Outcomes Measurements survey.

Here we ask some questions about your current situation, including information about your financial resilience, wellbeing and support. This information helps us tailor the program to better help those who come to us. 

You will find a link to the survey in your email confirmation once you have submitted your application. 

Ready to Submit? Click below.